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Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 22, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Sandeep Question by Sandeep on Jun 17, 2024Hindi
Money

Hello Anil Ji i am 58yr of age retiring in Dec 24. My family is myself wife 55yr , unmarried daughter 29yr working since last four yr in reputed MNC with good salary and career prospects. My investment are 1.09 cr of equity, 2.37cr MF equity, 0.56cr MF Debt funds. 65lacs Ulip all premium paid maturing in sept 24. FD in bank 20lacs. Total of 4.82cr. Own 3 Bhk apartment in Metro city where i live approx value 1.45cr. No loans no debts. My question is what should be my asset allocation after retirement my monthly requirement is 1.25lacs and one time expense of daughter marriage in next 1-2 yrs of 30lacs. Thanks

Ans: I appreciate the clarity and the thoroughness with which you've provided your details. It sounds like you have done a fantastic job building your assets. Let's explore how to best allocate your resources after retirement to meet your needs.

Understanding Your Financial Position
Firstly, congratulations on reaching a well-diversified asset base. Here's a summary of your assets:

Equity Investments: Rs 1.09 crore
Mutual Funds (Equity): Rs 2.37 crore
Mutual Funds (Debt): Rs 0.56 crore
ULIP: Rs 65 lakhs (maturing soon)
Fixed Deposit: Rs 20 lakhs
Real Estate: 3 BHK apartment (Rs 1.45 crore)
Your total financial assets come to around Rs 4.82 crore. You have no loans, which is excellent. Your monthly requirement is Rs 1.25 lakhs, and you have a one-time expense of Rs 30 lakhs for your daughter's marriage.

Setting the Foundation: Emergency Fund
An emergency fund is crucial for financial security. Ensure you have at least 6 to 12 months of expenses in a liquid, low-risk account. This fund should cover unexpected expenses without disturbing your investments.

Recommended Emergency Fund: Rs 15 lakhs (12 months of expenses)
Asset Allocation Strategy Post-Retirement
Let's break down a suitable asset allocation strategy:

1. Debt Instruments for Stability
Debt instruments provide stability and regular income. They are less volatile and suitable for your monthly needs. Considering your requirement of Rs 1.25 lakhs per month, prioritize these investments:

Mutual Funds (Debt): Rs 56 lakhs already allocated. Consider adding more to this to ensure stable returns.
Fixed Deposit: Rs 20 lakhs is a good buffer. Keep this as part of your emergency fund and for short-term liquidity.
2. Equity Investments for Growth
Equity investments are essential for growth and to combat inflation. However, post-retirement, the exposure should be balanced:

Equity Investments: Rs 1.09 crore
Mutual Funds (Equity): Rs 2.37 crore
While these investments have higher returns, they come with higher risks. Consider reallocating some equity to balanced or conservative funds to reduce volatility.

3. ULIP as a Diversification Tool
Your ULIP maturing soon will provide a lump sum. ULIPs combine insurance and investment but may not always offer the best returns. Since all premiums are paid and it’s maturing, use the maturity amount wisely.

ULIP Maturity: Rs 65 lakhs. Reinvest this in safer debt funds or balanced funds for moderate growth with lower risk.
Creating a Monthly Income Stream
To generate Rs 1.25 lakhs per month, a mix of Systematic Withdrawal Plans (SWPs) from mutual funds and interest from fixed deposits can be considered.

Systematic Withdrawal Plan (SWP)
SWP allows you to withdraw a fixed amount from mutual funds periodically. This can provide regular income without selling your investments entirely.

SWP from Debt Mutual Funds: Utilize debt funds to withdraw a steady amount monthly.
SWP from Balanced Funds: For a balanced risk approach, include some withdrawals from balanced funds.
Interest from Fixed Deposits
Interest from fixed deposits can supplement your monthly income. Ensure the interest aligns with your monthly needs and reinvest any excess for future use.

Planning for One-Time Expenses
For your daughter’s marriage, earmark Rs 30 lakhs from your existing assets. Consider using the maturity proceeds of your ULIP or liquidating some of your fixed deposits for this purpose.

Adjusting Your Portfolio
Rebalancing Equity and Debt
After ensuring your monthly needs and one-time expenses are covered, rebalance your portfolio to maintain a suitable risk level. Post-retirement, a common approach is to have a 40-60% allocation in equities and 60-40% in debt:

Equity Allocation: Aim for around 40% of your portfolio.
Debt Allocation: Aim for around 60% of your portfolio.
This balance provides growth potential while ensuring stability and regular income.

Diversifying within Debt and Equity
Within debt and equity, diversify to manage risk better:

Debt Funds: Include short-term, medium-term, and income funds.
Equity Funds: Include large-cap, mid-cap, and balanced funds.
Tax Planning
Efficient tax planning ensures you retain more of your income. Post-retirement, tax planning involves:

Tax-Exempt Instruments: Use the tax benefits of PPF and other exempt instruments.
Long-Term Capital Gains: Equity investments held for over a year have favorable tax treatment.
Tax-Efficient Withdrawals: Plan withdrawals from funds in a tax-efficient manner.
Monitoring and Review
Regular monitoring and review of your investments are crucial. Assess your portfolio at least once a year and adjust as needed to align with your goals and market conditions.

Genuine Compliments and Empathy
You've done a remarkable job in securing a diversified asset base. Managing your finances prudently has given you a solid foundation. Your focus on family and ensuring their well-being is commendable. It’s understandable to want to ensure your assets are well-managed post-retirement. I'm here to help guide you through this transition.

Final Insights
Retirement planning is about securing your future while enjoying the present. You've built a strong portfolio, and with the right adjustments, you can ensure a stable, comfortable retirement.

Emergency Fund: Keep Rs 15 lakhs for unexpected needs.
Debt Instruments: Use debt funds and FDs for stability and regular income.
Equity Investments: Maintain equity for growth but balance with lower-risk options.
ULIP Maturity: Reinvest in safe or balanced funds.
SWP: Generate monthly income through systematic withdrawals.
Tax Planning: Optimize withdrawals to minimize tax impact.
By following these steps, you can maintain your lifestyle and meet your financial goals post-retirement. Regular review and adjustments will keep you on track. Wishing you a fulfilling and stress-free retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 09, 2024

Money
Hi I am 57yrs and will retire in June 24. That is when i turn 58 yrs from pvt sector no pension .Family of three my self wife and unmarried daughter 27 yrs but working in good MNC with decent salary of 1lac + but as of now not contrbuting financially and she is very independent and high in personal exp like travelling etc and 2 dogs as we are pet lovers. My question how should i allocate my corpus to live a decent life with 1.25lacs exp per month or max 18lacs per year. Which includes 2 family vacations a year not exceeding 4-5lac fo next 8-10 yrs Break up of my current corpus Bank FD -20lacs (@7.25%) Equity Direct (Through PMS) 1cr MF equity -2.10cr(Various Funds) MF Debt -69lacs ULIP -54lacs (lock in period over premium fully paid) NPS accmulation -12lacs (but only can withdraw after attening age of 60 so only) One House (apartments in Metro City) car loan 8lacs ( as i had change the previous car which was 12 yrs old last yr) No other Debt. One Major Future Exp - Daughter Marriage in next 3 yrs. Health Insurance coverd since 10 yrs Self-15 lacs, wife 10lacs , Daughter 5lacs.
Ans: Congratulations on your impending retirement! Planning for your financial future is crucial, especially with your family's needs and aspirations in mind. Let's strategize on how to allocate your corpus to sustain your desired lifestyle post-retirement.
Given your monthly expenses of 1.25 lakhs and considering future commitments such as your daughter's marriage, it's essential to optimize your existing assets to generate sustainable income streams.
Starting with your current corpus:
• Bank FD: While fixed deposits provide stability, the returns may not suffice to meet your long-term financial goals. Consider reallocating a portion towards investments with higher growth potential.
• Equity Investments: Your equity holdings, both direct and through mutual funds, offer the potential for capital appreciation. However, ensure a diversified portfolio and periodically review your investments to manage risk effectively.
• MF Debt and ULIP: These provide stability and security to your portfolio. Review the performance and liquidity of your debt investments to align with your retirement timeline and income needs.
• NPS Accumulation: Although you can't withdraw until age 60, NPS offers tax benefits and long-term growth potential. Continue contributing if feasible, considering it as a part of your retirement corpus.
• Real Estate: Your house can serve as a valuable asset, providing rental income or potential capital gains upon sale. Evaluate its contribution to your retirement income and consider diversifying if necessary.
Considering your daughter's financial independence and your retirement goals, aim for a balanced allocation across asset classes, focusing on generating regular income to meet your expenses.
• Equity: Maintain a portion in equities for long-term growth potential, but ensure it's aligned with your risk tolerance and retirement timeline.
• Debt: Allocate a significant portion to debt instruments for stability and income generation. Consider debt mutual funds or other fixed-income instruments to optimize returns.
• Emergency Fund: Set aside a portion of your corpus as an emergency fund to cover unexpected expenses and maintain liquidity.
• Retirement Corpus: Calculate the amount required to generate 1.25 lakhs per month, considering inflation and future expenses like your daughter's marriage. Adjust your asset allocation accordingly to ensure sustainability.
• Insurance: Review your health insurance coverage to ensure it's adequate for your family's needs, especially during retirement.
• Daughter's Marriage: Start planning and setting aside funds for your daughter's marriage, considering your financial resources and future income needs.
Advantages of MFs over ULIPs:
• Lower Cost: MFs typically have lower expense ratios compared to ULIPs. ULIPs involve insurance charges which eat into your returns. MFs focus solely on investment, potentially leading to higher returns in the long run.
• Transparency: MFs provide clear investment objectives, portfolio holdings, and expense structures. You know exactly what you're invested in and the fees involved. ULIPs can be more complex with hidden charges and a mix of insurance and investment components.
• Flexibility: MFs offer a wide variety of schemes catering to different risk appetites and investment goals. You can easily switch between funds or redeem your investment partially or fully (except for lock-in periods in ELSS). ULIPs often have lock-in periods and limited investment options.
Advantages of MFs over PMS:
• Affordability: MFs have a lower investment minimum compared to PMS. This makes them accessible to a broader range of investors. PMS typically require a much larger initial investment.
• Diversification: MFs inherently pool your money with other investors, providing built-in diversification across various assets. This helps spread risk and potentially improve returns. PMS require a larger investment to achieve similar diversification, which might not be feasible for everyone.
• Professional Management: MFs are managed by experienced fund managers who research and make investment decisions on your behalf. While PMS also offer professional management, they come with a higher cost.
Here are some additional points to consider:
• ULIPs: They can be a good option if you seek life insurance coverage along with investment potential. However, carefully assess the insurance charges and weigh them against the potential returns.
• PMS: If you're a high-net-worth investor seeking a customized investment portfolio and are comfortable with a higher fee structure, PMS could be an option. However, thoroughly understand the risks and suitability before investing.
Ultimately, the best choice depends on your individual financial goals, risk tolerance, and investment horizon. Carefully consider your needs before making a decision.
Regularly review and rebalance your portfolio to adapt to changing market conditions and life events. Seeking advice from a Certified Financial Planner can provide personalized guidance tailored to your retirement goals and financial situation.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

Asked by Anonymous - May 13, 2024Hindi
Money
Hi , I am 51 years old & have been working in a reputed private firm . I have been a risk averse & have been investing in Govt securities , EPF & VPF . Current corpus is - 3 cr in Govt securities as principal (NSC , PO TD , KVP) , 3.7 cr in EPF , 10 L in LIC Annulity , 15 L in PMVVY , 9 L in POMIS , 20 L in Sukanya Samriddhi Yojana , 1.2 crore in Bank FD , One house with current value 70 L other than self occupied , will get 25 L as gratulity on voluntary retirement . My only daughter entering college in current year .I wish to retire next year .Please advise future asset allocation post retirement for daughter 's education & marriage alongwith monthly expenditure of 1.5 L pm .
Ans: Congratulations on accumulating a substantial corpus through disciplined investing. Your cautious approach has built a strong foundation for your retirement and future needs. Let's structure a plan to ensure financial stability for your daughter's education, marriage, and your monthly expenses.

Current Financial Snapshot
Govt Securities (NSC, PO TD, KVP): ?3 crores
EPF: ?3.7 crores
LIC Annuity: ?10 lakhs
PMVVY: ?15 lakhs
POMIS: ?9 lakhs
Sukanya Samriddhi Yojana: ?20 lakhs
Bank FD: ?1.2 crores
Gratuity (Expected): ?25 lakhs
House (Investment Property): ?70 lakhs
Monthly Expenditure: ?1.5 lakhs
Financial Goals
Daughter’s Education and Marriage
Monthly Expenditure of ?1.5 lakhs
Maintaining an Emergency Fund
Ensuring Stable Post-Retirement Income
Future Asset Allocation Strategy
1. Daughter’s Education and Marriage
You need to ensure sufficient funds for your daughter’s education and marriage. The key is to invest in low-risk, stable return instruments.

Sukanya Samriddhi Yojana (SSY): Continue this for her education and marriage. It provides a good interest rate and tax benefits.

Bank Fixed Deposits (FDs): You have ?1.2 crores in FDs. Allocate a portion of these towards her education fund, maturing around her college years.

POMIS and PMVVY: These provide regular interest, which can be reinvested or used as needed.

Estimated Allocation:

Education Fund: ?50 lakhs in FDs (adjust the maturity to her college years)
Marriage Fund: Continue SSY contributions and consider an additional ?30 lakhs in FDs maturing around her expected marriage age.
2. Monthly Expenditure
Your requirement is ?1.5 lakhs per month. This can be ensured through a mix of annuities, interest income, and withdrawals from your corpus.

LIC Annuity and PMVVY: These provide regular monthly income. Calculate their combined monthly payout and subtract from your ?1.5 lakh requirement.

EPF and Govt Securities: These can be gradually withdrawn to supplement your monthly income.

Estimated Allocation:

LIC Annuity and PMVVY Monthly Income: Assume ?30,000
EPF and Govt Securities Withdrawals: Regular systematic withdrawals to cover the remaining ?1.2 lakhs monthly
3. Emergency Fund
Maintain a robust emergency fund to cover at least 12 months of expenses. This should be liquid and accessible.

Emergency Fund: ?20 lakhs in liquid mutual funds or savings accounts
4. Investment Property
The second house worth ?70 lakhs can generate rental income or be sold for a lump sum.

Rental Income: Consider renting out the property for additional monthly income. Assume ?25,000 - ?35,000 monthly.
Detailed Asset Allocation Post-Retirement
Low-Risk Investments
Govt Securities: Continue holding for stable returns.
EPF: Withdraw systematically.
Bank FDs: Allocate part for daughter’s education and marriage.
POMIS: Continue for regular interest.
SSY: Continue contributions for daughter’s future.
PMVVY and LIC Annuity: Continue for guaranteed monthly income.
Moderate Risk Investments
Mutual Funds: Consider balanced mutual funds for growth and income. Allocate a portion of your corpus to balanced or conservative hybrid funds to maintain moderate growth.
High Liquidity
Liquid Funds: Maintain an emergency fund of ?20 lakhs for immediate needs.
Savings Accounts: Keep a portion of your funds for monthly expenses.
Suggested Asset Allocation
Education and Marriage Fund:

FDs: ?50 lakhs for education
SSY and FDs: ?30 lakhs for marriage
Monthly Income:

LIC Annuity and PMVVY: ?30,000 per month
EPF/Govt Securities Withdrawals: ?1.2 lakhs per month
Rental Income: ?25,000 - ?35,000 per month
Emergency Fund:

Liquid Funds/Savings Account: ?20 lakhs
Growth and Income:

Balanced Mutual Funds: ?50 lakhs to ?1 crore
Regular Review and Adjustment
Ensure regular review and adjustment of your portfolio to align with changing market conditions and personal needs. Consulting a Certified Financial Planner (CFP) will help you tailor the plan and make informed decisions.

Conclusion
Your disciplined savings and strategic investments have put you on a strong path to a comfortable retirement. By reallocating your assets prudently, you can ensure financial security for yourself and your daughter's future needs.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |7015 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 14, 2024

Asked by Anonymous - Nov 13, 2024Hindi
Money
Hi sir Kindly review my portfolio.. Investing below amount in SIP 1)Large cap - Axis 4500 Nippon 4500 2) Flexi cap - Parag parikh - 3000 Icici - 2500 3) Mid cap - Motilal - 2500 Aditya birla - 500 Kotak - 500 4) Small cap Tata - 1500 My goal for investing is my child education, child marriage and Retirement funds I planning to invest for next 15 years Kindly suggest which and all mutual fund I have to continue and remove for better returns.. Thank you
Ans: It’s great to see that you’re committed to securing funds for your child’s education, marriage, and retirement. These are critical milestones, and with the right approach, your investments can help you achieve them effectively.

Investment Goals and Approach

You have clear long-term objectives, which is ideal. Planning with specific goals like education, marriage, and retirement brings purpose to your investment journey. Given the 15-year investment horizon, you can take advantage of compounding benefits, especially with equity mutual funds. However, let’s ensure your portfolio is optimized for growth, risk, and tax efficiency.

Evaluating Your Mutual Fund Choices

Let’s look at your current investments across various categories:

1. Large Cap Funds
Large-cap funds provide stability, as they invest in established companies with relatively lower volatility. However, there can be limited scope for very high growth in large caps compared to mid or small caps.

You’re invested in two large-cap funds. It’s often advisable to focus on one high-performing large-cap fund to avoid overlap and unnecessary diversification.

Consider retaining a large-cap fund that has a consistent track record, active fund management, and strong research backing.

2. Flexi Cap Funds
Flexi-cap funds offer flexibility by investing across market caps. This allows the fund manager to capture growth opportunities in any segment of the market.

Holding two flexi-cap funds is fine, as it balances large and mid-cap stocks, offering both stability and growth. However, evaluate each fund’s performance and select one if you feel any duplication in returns.

3. Mid Cap Funds
Mid-cap funds offer growth potential but come with higher risk. Given your long-term horizon, they can be beneficial.

You currently have three mid-cap funds. It might be better to consolidate into one or two top-performing funds in this category to reduce excessive overlap and diversify across sectors rather than just fund names.

4. Small Cap Fund
Small-cap funds are suitable for aggressive growth but can be highly volatile. It’s wise to limit exposure to small caps, as they tend to fluctuate significantly, especially over shorter timeframes.

Given your portfolio composition, your allocation to small caps is moderate, which seems appropriate. However, ensure you are comfortable with the high-risk nature of small caps, especially if the market faces downturns.

Analysis of Direct vs. Regular Funds

Opting for direct funds might appear attractive due to lower expense ratios, but it’s crucial to weigh the potential downsides:

Lack of Guidance: Direct funds lack the guidance a Certified Financial Planner (CFP) can offer. Expert support ensures your portfolio is regularly rebalanced and aligned with market changes, personal goals, and tax updates.

Regular Tracking: With a CFP’s help, your investments are reviewed frequently, making timely adjustments in case of underperformance. This hands-on approach is particularly helpful in achieving your long-term goals.

Tax Considerations: Regular funds through a CFP can help you optimize tax efficiency by offering proactive advice on capital gains, loss harvesting, and adjusting investments according to the new capital gains tax rules.

Importance of Actively Managed Funds

While index funds may seem attractive for their lower costs, actively managed funds bring added advantages, especially for long-term investors like you:

Potential for Higher Returns: Skilled fund managers actively seek growth opportunities that can outperform benchmarks over time. This could be a significant advantage given your long-term goals.

Flexibility in Market Movements: Active funds allow managers to make informed changes, adapting to market conditions and potentially protecting your investments during volatile phases.

Diverse Exposure: With active management, your funds are better diversified across sectors and stocks, reducing concentration risk and enhancing the potential for stable returns.

Investment Strategy Recommendations

Considering your goals and time horizon, here’s a comprehensive approach to optimize your portfolio:

Consolidate Fund Choices: Consider reducing similar funds within each category. This will provide clarity and focus, making it easier to track progress and reduce management complexity.

Review and Rebalance: Regularly review your portfolio performance, preferably with a CFP, to ensure each fund aligns with your risk tolerance and goals. Aim for annual rebalancing to stay on track.

Allocate Based on Goals: Assign specific funds for each goal. For example:

Child’s Education and Marriage: Given the moderate-to-high timeframe, allocate funds with a mix of stability (large-cap and flexi-cap funds) and growth (mid-cap).
Retirement: Invest in a diversified mix of flexi-cap and large-cap funds, along with a smaller allocation to mid-caps, as retirement is a long-term goal with a potentially higher investment horizon.
Avoid Overlapping: Limit overlap between funds by choosing those with unique holdings or management strategies. Too many funds can dilute returns, especially if they invest in similar stocks.

Tax Considerations

With recent changes in capital gains tax rules, be mindful of the following when planning exits or rebalancing:

Equity Mutual Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are now taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Funds: LTCG and STCG for debt funds are taxed according to your income tax slab.

Tax Efficiency: To minimize tax outgo, hold investments for the long term and consult a CFP for tax-optimized rebalancing.

Investment Horizon: Sticking to your 15-year investment plan can help mitigate tax impacts and optimize returns.

Insurance Evaluation

If you hold any LIC, ULIP, or investment-linked insurance policies, review their performance and fees. These products often come with high costs, which can limit returns. Consider surrendering such policies if they don’t align with your goals and reinvest in well-performing mutual funds instead.

Finally

Your commitment to a 15-year SIP plan shows your dedication to securing your family’s future. A structured, diversified approach with periodic reviews can enhance your portfolio’s performance, aligning it with your goals of education, marriage, and retirement.

A Certified Financial Planner can be a valuable partner in this journey, providing expert advice to help you make the most of your investments and adjust them as needed.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

Ravi

Ravi Mittal  |414 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 04, 2024
Relationship
my gf was physical(intercourse) just for once with her ex and her ex cheated on her she just had a 2 month relationship with her ex. and after that around just after a month we came in relationship and its been 2 months we are in a relationship we both go to same college but due to house problem she doesn't attend classes basically we are in a long distance relationship and she still remember him and when she goes to places where she meet her ex she still have flashback She is not fully with me even when i just ask her for a normal kiss she refuses and tells me what so hurry but when i asked her does she want to stay with me she told me yes i want to stay with you and she is ready to marry me as well when time comes she even told me that timely she will have feelings for me And for me all this is new this is my first relationship what should i do?
Ans: Dear Anonymous,
Refusing for a kiss isn't as concerning as her saying she will have feelings for you. Not everyone is ready for intimacy at the same time in all their relationships. As I mentioned earlier, there can be several reasons for this behavior. Please have an open conversation with her. Let her know that her behavior is bothering you and you want some clarity. If she still continues to say the same thing, you have the option to rethink the relationship.

I understand that you are feeling disturbed; it's not easy being on the receiving end. Please feel free to pick yourself first. You deserve someone who loves you completely.

Best Wishes.

...Read more

Ravi

Ravi Mittal  |414 Answers  |Ask -

Dating, Relationships Expert - Answered on Nov 13, 2024

Asked by Anonymous - Nov 07, 2024Hindi
Listen
Relationship
I am 28, will be engaged in 3-4 months. It's an arranged marriage. I have met the girl one time, that too she was accompanied with her parents as her family is very conservative. We spoke privately for about half an hour. I know it's still not enough but I was able to have a good conversation. She was nervous at first but I made her feel comfortable and it was then time well spent. She is a sweet girl, even my maa papa like this girl but on the other hand, I am also getting worried as the days are coming near. Sometimes I feel like postponing the event. Is this normal? I also fear of things that happens in nowadays like getting divorce, extra marital affairs, alimony etc. What if she finds a better partner after marriage? Will she leave me? Due to this I cannot have proper sleep recently. Any suggestions to calm my nerves?
Ans: Dear Anonymous,
Many people get cold feet before getting married. It is very normal. All your questions are valid but you need to understand that in every relationship, it all comes down to trust. Whether you marry this woman or someone else, you have to trust her. And no one can really tell what the future holds. So we focus on the present and hope for the best.

I suggest speaking to your would-be partner a little more in the meantime. Getting to know her will put these doubts to rest. I'm sure she is equally concerned about what kind of person you are. Moreover, it is always a good idea to get to know each other better before committing for a lifetime. And, in case, you still think you need to postpone the event, do not shy away from doing so. It is better to take some time and make the right decision than to make a wrong decision in a hurry.

Hope this helps.
Best Wishes.

...Read more

Dr Shakeeb Ahmed

Dr Shakeeb Ahmed Khan  |123 Answers  |Ask -

Physiotherapist - Answered on Nov 13, 2024

Asked by Anonymous - Sep 15, 2024Hindi
Listen
Health
Hi sir , Iam male 27 years planning to reduce my current weight of 86KG hence planning to hit the gym. Iam concerned of abdominal fat. I left gym 3 yrs back when my weight was average 69kgs. However due to no physical activity weight increased. Now iam planning for reducing weight and also improve my strength with good muscular lean body not bulk. Please guide me sir thanks
Ans: It’s wonderful that you’re enthusiastic about getting back into the gym to work towards weight loss and a lean, toned physique! As a physiotherapist, I suggest scheduling regular check-ins with a physiotherapist to monitor your progress and make any necessary adjustments to your exercise routine. To effectively lose fat, particularly around the abdomen, while building muscle, try a balanced approach that incorporates both cardio and strength training. Start with 20-30 minutes of moderate-intensity cardio—like brisk walking, cycling, or jogging—three to five times per week to increase calorie burn. For strength training, focus on compound exercises such as squats, lunges, push-ups, and rows, with three sessions per week. Begin with lighter weights, increasing gradually as your strength builds, and focus on good form to develop lean muscle without bulk.

Including core exercises, like planks, Russian twists, and leg raises, will help to strengthen and tone your abdominal muscles; however, remember that fat loss from specific areas requires overall body fat reduction. A high-protein, balanced diet will be crucial for supporting muscle growth and managing hunger, so aim to reduce processed foods and sugars. Consistency is essential—maintain a regular exercise schedule, and ensure you have rest days for recovery. With dedication, you’ll see steady improvements over time. Best of luck, and don’t hesitate to reach out if you need further guidance!

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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